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SBA 504 Loan Interest Rates

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June 2025

25-Year Fixed Rate Standard:
6.376%

25-Year Fixed Rate Refinance:
6.405%

20-Year Fixed Rate Standard:
6.395%

20-Year Fixed Rate Refinance:
6.434%

Estimated 10-Year Fixed Rate Standard:
6.204%

Estimated 10-Year Fixed Rate Refinance:
6.252%

Official monthly SBA 504 effective interest rate tables can be found at Eagle Compliance LLC. 25- and 20-year term loans fund every month; 10-year term loans fund every other month. Effective interest rates are inclusive of servicing fees, which are subject to credit risk of the applicant.

 

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Interest Rates

Servicing the States of Alabama, Florida, and Georgia.

Lending News Archives

Florida First Capital is the No. 1 SBA Lender in North Florida for 2015

Oct 2015

Florida First Capital earned the top Small Business Administration (SBA) lender spot in the North Florida District for total dollar volume in FY 2015 among all 7(a) and 504 lenders, according to recent data released by the SBA.

Out of a combined total of $502,576,500 in 504 and 7(a) financing produced in the district for the fiscal year that ended Sept. 30, Florida First Capital, a nonprofit SBA 504 Certified Development Company (CDC), accounted for $43,508,000 of that amount. SunTrust finished second overall (and was also the top 7(a) lender in the district) followed by Wells Fargo, BankUnited and Regions.

Among 504 CDC lenders only, Florida First Capital's performance accounted for 53% of the 504 dollar total in the district. In comparison, the six other competing CDCs in the district produced a combined total of $38,771,000.

Florida First Capital has held the top SBA lender position in the North Florida District - which covers 43 counties and stretches from Orlando to Jacksonville and west through the Florida Panhandle - for the last 12 years among a list of notable banks, credit unions, non-bank lenders and other CDCs.

The SBA 504 Loan Program offered through Florida First Capital offers up to 90% financing at below-market, fixed interest rates with amortization terms up to 20 years. 504 loan proceeds may be used to finance the purchase of major fixed assets, including owner-occupied commercial real estate and/or heavy duty fixed machinery and equipment. Projects start at $125,000 and can exceed $20 million.

Florida First Capital wishes to thank its 504 commercial lending partners as well as congratulate its North Florida District sales team: Kristen Tackett, VP & Loan Officer, Northeast Florida Region; James Hosman, VP & Loan Officer, Northwest & Florida Panhandle Region; and John Hanrahan, VP & Loan Officer, Central Florida Region.

For more than 30 years, Florida First Capital has worked hard to provide the state's small business owners and entrepreneurs with the finest fixed asset financing available at the best terms and lowest costs possible. Providing real dollars on the streets to support Florida's growing and expanding small businesses that are creating jobs and strengthening the economy is our bottom line.

For more information about SBA 504 loans in Florida,contact a Florida First Capital Loan Officer hereor email us atinfo@ffcfc.com. Phone: 850.681.3601 or toll-free at 888.320.5504.

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